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EP 4 740 163 A2

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(88) Date of publication A3: 03.04.2025 (43) Date of publication: 13.05.2026 Bulletin 2026/20 (21) Application number: 24854632.7 (22) Date of filing: 31.07.2024

(51) International Patent Classification (IPC):  G06Q 30/015(2023.01) G10L 15/22(2006.01) G06Q 30/02(2023.01) (52) Cooperative Patent Classification (CPC): H04L 51/02; G06Q 10/06395; G06F 40/30; G06Q 10/06393; G06F 40/35; G06Q 30/015; G06Q 20/386 (86) International application number: PCT/US2024/040299 (87) International publication number: WO 2025/038282 (20.02.2025 Gazette 2025/08)

(84) Designated Contracting States: AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC ME MK MT NL NO PL PT RO RS SE SI SK SM TR Designated Extension States: BA Designated Validation States: GE KH MA MD TN (30) Priority: 14.08.2023 IN 202341054463 08.11.2023 IN 202341076442 28.06.2024 US 202418759399 28.06.2024 US 202418759439 28.06.2024 US 202418759471 (71) Applicant: PayPal, Inc. San Jose CA 95131 (US)

(72) Inventors: LANKA, Soujanya San Jose, California 95131 (US) WANG, Guangsen San Jose, California 95131 (US) VERMA, Reyha San Jose, California 95131 (US) (74) Representative: Nordmeyer, Philipp Werner  Maucher Jenkins Patent- und Rechtsanwälte Liebigstraße 39 80538 München 80538 München (DE)